cibil

I have a random Axis Band CC (not owned by me) being reflected in CIBIL. I even made a complaint to them. But they removed the complain saying it has been resolved without addressing it. What should I do?

Hii, I am new to this website hence not allowed to post on credit card forum, hence posting it here. I have recently got a cibil profile and in just 2 months my cibil score increased from 736 to 772 but one AU SFB CC enquiry made it drop to 751, I want to know how long will it take for my score...

I have missed my DBS CC bill payment by just 2 days, it's a new card, registered in CRED but didn't get notification that it's due. Before due date I actually tried to pay once using SBI Unipay, but since it's not registered with BBPS, there was no option to pay there and I forgot to pay it...

Hello intelligent folks, I m 27, self employed with only 2 lac ITR. I never had any credit cards or any CIBIL score (Since kept all funds in SBI from 10 years 😭😥). I can manage 4-7 lac FD , 30k savings account balance. This amount will decrease in future, after I get my CC , since, I will buy...

Hey Guys As the topic suggests, I filed an RBI Ombusman Complaint against IDFC First Bank over Delay in Closure of my CC. Here's the Flow of Events: June 23 - Card Closed. July 23 - Bank said they need 90 days time to close card on CIBIL. Dec 23 - Raised grievance with CIBIL over closed card...

So AX$hit Bank check my cibil score twice while I applied for the neo card and reject the application because I wasn't eligible but suddenly an agent call me an told that I was eligible for NEO LTF but she put my birthyear wrong due to that issue I cannot complete the VKYC and an agent came he...

Recently my AMEX, SBI and HSBC application were rejected due to infamous "internal policy" reason, after filing a complaint to RBI ombudsman it turns out that I was overleveraged even though my existing credit mix <4 Lakh so I checked my CIBIL profile and it turns out Indian Bank has reported my...

Hi I applied rbl credit card in July and had already paid one bill in my cibil report the card is not showing up. Whereas other 3 CIB have them in the report. Any help what can be done in this case? Variant : RBL Paisabazaar Duet Credit card

Hii everyone my cibil score dropped due to incorrect payment status uploaded by the lender i.e instead of making payment on time they reported as dpd of 2 days on report and amount overdue and due to this my score has gone from 744 to 699 . I had disputed this on cibil and also written a mail to...

[ if you already have an account in cibil skip step 1] Step 1 : Create a account in cibil. Choose starter plan of Rs 118. Which provides a comprehensive view of your credit history. Use anyone's referal code. Now just pay 18 ( instead of 118) Step 2: after creating account refer 6 of your...

Can someone please help with cibil subscription plan discount? I know I am late but still checking if discount are available? Please advise.

Hi All, Yesterday I was applying for Marriott Bonvoy card straight redirected from Marriott website, it took all my details and while validating my details through netbanking it stopped saying could not be processed but I got a CIBIL hit and credit score from Equifax was also fetched . Now...

Non Digestible Fact : Experian is better than CIBIL in terms of solving problems, crisp & clear details & automation. Have you ever upgraded card or flipped the network? If yes, you must have faced problem of duplicate account showing in credit report & older payment history isn't updated in...

I recently encountered a concerning issue with BoBCard, which seems to be violating RBI guidelines on credit card activation and reporting. After applying for the Eterna Credit card, I got an approval, and the card was reflected in the banking app instantly. However, here’s where things went...

Hi, I recently checked by crif credit report and found that federal reported only july-september 2023 payment details. Almost a year old payments missing. CRIF score is 721. Compared to experian, cibil and equifax which is way lower. Cibil 775, experian 802 and equifax 804 Should i spend my...

So I followed the advice of some senior posters here, about pre-paying all CC bills before they are generated, usually my CUR is 7-9% (below 10%) but this month I have already paid both my SBI cc bills (generation date is 21st of month, reporting date is 13th of month) as well as my ICICI (both...

Hi, guys myself himanth (19), i am self employed and earning decent amount, and with my friends suggestion i made an FD and got idfc wow credit card and from that my CIBIL SCORE is generated and now its 748 ... i have 6.5 lakhs ITR filed this year and i have following banking relationships 1. au...

I was trying to apply for new credit card of various bank. So I had many cibil enquiry in last 6 months around 25 times. Is this enquiry affect my cibil score? Now If I stop applying credit card, is there any problem with previous enquiry? All enquiry is genuine. Can I remove previous genuine...

My IDFC First Credit Card was closed in Jan 2023 but updated in CIBIL after Jan 2024. So, I checked my credit report on CIBIL website. I observed that IDFC First Bank has marked this account as closed in Jan 2024 and sent me a communication through email that the card closure request has been...

There is option to check Cibil score on Google Pay. (Obviously everyone knows that). After checking score, there is also a section which predicts your score based on certain activity like getting new card or loan (different kind of loan with amount). Looks pretty cool. Has anyone tried it? .